Sometimes. Retaining walls can be included in the buildings policy, but the policy may treat them differently from the main house.

Why do retaining walls fail?

• Water pressure builds behind the wall.
• Drainage outlets become blocked.
• Extra soil or heavy loads are added behind it.
• The wall was not designed for the pressure it is carrying.

Keeping water pressure down behind the wall

• Keep weep holes clear.
• Maintain drainage behind the wall.
• Do not add heavy loads behind it without checking the design.
• Have a visibly bulging or leaning wall assessed.

Check whether retaining walls count as insured buildings

Check whether retaining walls fall within the definition of the insured buildings and whether gradual movement or deterioration is excluded.